Start the home
loan process


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What happens next

  • We'll be in touch for more information

    We’ll give you a call or email to chat through your enquiry. If you're wanting to take out a new home loan, we’ll have some initial questions to ask you so we can begin to understand your individual situation. These questions may cover:

    • How many people are borrowing

    • What your income is

    • What savings you have

    • If you have any other loans or debt

    • If you have any dependents

    Once we have all the details and believe we can assist you with a home loan, we’ll set up a time to meet with you. You can meet us in-branch, our Mobile Mortgage Manager can visit you wherever suits, or if you’re not nearby we can complete everything over the phone and/or email.

  • Complete application

    Next, we'll ask you to complete an application form. If you’re keen to get a head start on the process now, below is the additional information you’ll need to provide in order for us to assess your loan application:

    Proof of identity

    • Photo Identification, such as a Driver’s License or Passport
    • Copy of a utilities bill or rates notice no older than three months (with individual or both names) or a bank statement no older than 12 months, to confirm your physical address

    Evidence of your income
    (if your wages aren't deposited directly into a TSB account)

    • Three months of bank statements and your three most recent pay slips, or;
    • If you're self employed, updated financial statements for the last two years

    Existing outgoings

    • Three months of statements for any non-TSB accounts, credit cards, hire purchases, or home loan facilities and any other Short Term Commitment(s)
  • Get pre-approval

    As soon as we have all the information and signed forms, we’ll submit your application for pre-approval. This process will take up to two business days.

    A pre-approval gives you confirmation that you’re approved up to a certain sum of money, based on certain conditions. We’ll determine what you can borrow based on all the information you provide.

    Please note: Our home loan applications are assessed on an individual basis, so some may take longer than two days to go through approval. We’ll keep you informed every step along the way so you know what to expect.




Your digital branch

Visit your digital branch to join TSB online, open an account or book a video call with a lending specialist. It's a new way of banking, making it easier to manage your money, chat to us and open accounts — from anywhere in NZ.




woman on laptop using TSB Virtual Bank




  • Don't forget to read this bit

    1. Offer available until 30 November 2021. Bring us any current nationally advertised fixed home loan rate from ASB, ANZ, BNZ or Westpac for the same term and offer conditions and we’ll beat it by 0.05%, subject to the borrower meeting TSB’s lending suitability and affordability criteria. Minimum new lending of $100,000 applies. The offer only applies to the purchase, refinance from another lender or building of (a) residential owner-occupied properties with a loan-to-value (LVR) ratio under 80% and (b) residential investment properties with an LVR under 60%.

    2. Additional margins may apply for bridging loans and buyers with less than 20% deposit. Residential loans with less than a 20% deposit are subject to availability of funds. All interest rates are subject to change without notification. An early repayment fee may apply on fixed rate loans. Different lending criteria applies for residential investment, business, commercial and rural loans. Standard lending terms and conditions and fees apply. See for details. All offers can be changed or withdrawn at any time without notice. You’ll find a Disclosure Statement at one of our branches or